` Comparison: CPSS vs SYF - Alpha Spread

CPSS
vs
SYF

Over the past 12 months, CPSS has underperformed SYF, delivering a return of -14% compared to the SYF's +19% growth.

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CPSS
SYF
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Valuation Comparison

CPSS Intrinsic Value
Not Available
SYF Intrinsic Value
119.05 USD
Undervaluation 44%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Consumer Portfolio Services Inc
NASDAQ:CPSS
7.72 USD
Synchrony Financial
NYSE:SYF
66.55 USD
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Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
CPSS, SYF

CPSS
SYF
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Revenue
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Company LTM Historical Growth Growth Streak % Positive Years Max Drawdown Volatility Forecasted Growth
3 Years 5 Years 10 Years 1 Year 3 Years
Consumer Portfolio Services Inc
Revenue
Synchrony Financial
Revenue

All metrics are calculated based on data from the last 10 years.

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Profitability Comparison

Free Cash Flow
CPSS, SYF

CPSS
SYF
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Free Cash Flow
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Company LTM Average Historical Growth FCF Margin Conversion
3 Years 5 Years 3 Years 5 Years 10 Years
Consumer Portfolio Services Inc
NASDAQ:CPSS
Synchrony Financial
NYSE:SYF
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

CPSS
45.8%
SYF
LTM 3Y Avg 5Y Avg 10Y Avg
Consumer Portfolio Services Inc
Synchrony Financial
Not applicable for financial companies

Operating Margin

CPSS
5%
SYF
LTM 3Y Avg 5Y Avg 10Y Avg
Consumer Portfolio Services Inc
Synchrony Financial
Not applicable for financial companies

Net Margin

CPSS
4.5%
SYF
18.3%

FCF Margin

CPSS
65.6%
SYF
LTM 3Y Avg 5Y Avg 10Y Avg
Consumer Portfolio Services Inc
Synchrony Financial
Not applicable for financial companies

ROE

CPSS
6.4%
SYF
20.8%

ROA

CPSS
0.5%
SYF
2.9%

ROIC

CPSS
0.4%
SYF
LTM 3Y Avg 5Y Avg 10Y Avg
Consumer Portfolio Services Inc
Synchrony Financial
Not applicable for financial companies

ROCE

CPSS
0.6%
SYF
LTM 3Y Avg 5Y Avg 10Y Avg
Consumer Portfolio Services Inc
Synchrony Financial
Not applicable for financial companies

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
CPSS, SYF

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Performance Gap
CPSS, SYF

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CPSS
SYF
Difference
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Performance By Year
CPSS, SYF

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CPSS
SYF
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Intrinsic Value is all-important and is the only logical way to evaluate the relative attractiveness of investments and businesses.

Warren Buffett